When Can I Switch Medigap Policies?

1. 

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   Jeffrey VanCleve

   Marketing Director, JLS Marketing Concepts LTD, Canton, OH

   You can switch Medigap policies at any time, but it is important to understand potential obstacles. If you are outside of your Medigap open enrollment period ( the 6-month period that begins on the first day of the month in which you're 65 or older and enrolled in Part B), then you will likely have to go through health underwriting to switch to a new plan or insurance company. Some companies do allow you to change your Medigap Plan if you remain with them, e.g. going from a Plan F to a Plan G, without new health underwriting; but if you change insurance companies you will have to answer all health questions on the application. A new insurance company may deny you coverage based upon evaluation of your current health, so you may not be able to switch your Medigap policy to a new company. It is important to work with a licensed and experienced agent who can place you with a reputable company for the long term when you are in your Medigap open enrollment period.

   Answered on December 30, 2014

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   BILL HANNA

   Agent, WMH Consulting LLC, Fort Worth, Texas

   You can switch Medigap policies at any time during the year. However health underwriting may be required if you are past the 6 month Medigap open enrollment period. This open enrollment period begins on the first day of the month in which you are 65 and enrolled in medicare part B . I recommend locating an experienced agent specializing in Medicare to help you through this process...

   Answered on August 7, 2015

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